We're a local East Bay agency, based in Albany just south of Richmond, helping residents and business owners find coverage that actually fits — compared across multiple carriers, with no pressure and no guesswork.

Independent Insurance Agent Serving Richmond, CA

Commercial Coverage Built for Richmond's Contractors and Business Owners

Richmond has one of the strongest contractor and small business communities in the East Bay, and it's consistently underserved by independent agencies that can compare commercial options across multiple carriers. Whether you run a trades operation, a small commercial fleet, or a service business, Freeman Insurance works with you to build coverage that closes real gaps — not just the cheapest policy available.

 

We offer the full range of commercial lines Richmond businesses typically need:

 

  • General Liability — protection against third-party bodily injury and property damage claims
  • Business Owners Policy (BOP) — bundled property and liability coverage for qualifying small businesses
  • Commercial Auto — coverage for business vehicles and fleets
  • Workers' Compensation — required for most California employers with staff
  • Surety Bonds — licensing and performance bonds for contractors and tradespeople operating in Richmond and across the Bay Area

 

Surety bonds are a specific capability that most personal-lines agencies in this market don't offer. If you're a licensed contractor who needs bonding as part of a bid or a permit requirement, we can help with that alongside your liability and auto coverage — all in one place.

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A large share of Richmond residents rent, and renters insurance is one of the most underutilized protections available — often because people assume it costs more than it does or covers less than it actually does. Renters insurance typically runs $15–$30 per month and covers your personal belongings, personal liability, and temporary housing costs if your unit becomes uninhabitable due to a covered event.

 

We walk Richmond renters through their options in plain language: what's covered, what's excluded, and what limits actually make sense for your situation. There's no obligation to buy, and the conversation doesn't take long. If you've been putting off getting covered because it felt complicated, it doesn't have to be.

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Freeman Insurance is an independent agency, which means we're not locked into a single carrier's products. When you ask us for a quote, we compare options across multiple insurers and present what we find. Our goal is to make sure you understand what you're buying before you commit — including where the gaps are — so you're not discovering a coverage problem for the first time when you need to file a claim.

 

We're reachable by phone at (510) 528-2700 and by email at bruce@freemaninscompany.com. You'll speak with a named agent, not a call center. For Richmond clients who want to work with someone local and accessible rather than a faceless online platform, that distinction matters.

Contact Information

Freeman Insurance Services, Inc.
Albany, California


Phone:  (510) 528-2700
Email:  bruce@freemaninscompany.com

Business Hours:
Monday – Friday: (to be inserted)
Saturday – Sunday: (to be inserted)

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Visit Our Albany Office

Freeman Insurance Services, Inc. serves clients throughout the East Bay with a local office in Albany. Whether you prefer to call, email, or meet in person, we’re here to help you move forward with clear, practical guidance.

  • Do I need a local agent, or can I just buy insurance online?

    Online platforms work for straightforward situations, but they don't compare across carriers or flag coverage gaps — they sell one company's products. An independent agent reviews your actual exposure and shows you options side by side. For Richmond contractors, landlords, or anyone with more than a basic auto policy, that comparison process regularly surfaces better coverage at a comparable price.

  • What commercial insurance does a Richmond contractor typically need?

    Most contractors operating in California need general liability at minimum, and many jobs require proof of bonding as well. If you have employees, workers' compensation is required by law. Commercial auto covers any vehicles used for work. We can review your current coverage or help you build a policy package from the ground up — and compare pricing across carriers for each piece.

  • How much does renters insurance cost in Richmond?

    Most renters insurance policies in California fall in the $15–$30 per month range, depending on the value of your belongings, your liability limits, and your deductible. We can walk you through a quick estimate and explain what each coverage component actually does before you decide anything.

  • Is Freeman Insurance licensed to write business coverage in California?

    Yes. Freeman Insurance Services is licensed in California and writes both personal and commercial lines. We serve Richmond businesses across general liability, BOP, commercial auto, workers' comp, surety bonds, and more — all compared across multiple carriers so you're not limited to one company's options.